Business Finance
Secured Cash Credit (SCC)
Maintain steady cash flow for your business operations. A flexible credit line secured against your hard assets or financial deposits.
Uninterrupted Working Capital
- ✓Pay Interest Only on UsageUnlike term loans, interest is charged purely on the daily outstanding debit balance, not the entire sanctioned limit.
- ✓Wide Range of Accepted SecuritiesSecure your limit using Bank FDs, Government Bonds (NSC/KVP), or Immovable Property.
SCC Schedule of Charges
Annual SCC Renewal Fee: Rs. 2 per 1000 + GST
Free Cash Remittance: Up to Rs. 25 Lakhs / month
*Cash remittance beyond 25 Lakhs: Rs. 1 per 1000 (Incl. GST)
*Calculator illustrates estimated term liability. Actual SCC interest is calculated on daily outstanding balance.
Required Documents
Please keep the following KYC documents ready for a smooth account opening process.
Business & KYC
- PAN Card & Aadhaar of Proprietor/Partners
- GST Registration Certificate
- Partnership Deed / MOA & AOA
- Last 3 Years Audited Balance Sheet
Security Documents
- Original Fixed Deposit Receipts (if against FD)
- Original NSC/KVP certificates
- Property Title Deeds (if against real estate)
- Stock Statements
Note: SCC limits are subject to annual review and renewal based on account conduct and submission of updated financial statements.
Ready to apply for your Secured Cash Credit?
Visit your nearest DHUSBN branch today with the required documents for fast processing and quick disbursal.